Thursday, May 7, 2009

Carbon Manna creates Micro-Profits, Micro-Assets & Micro-Collateral to salvage Microfamineance [ sic ]



### This post has been edited & expurgated for political correctness.

### And names have been changed to protect micromoaners from a horrible self-discovery.

### Even so, "professional" micromoaners may not want to enter this site without parental guidance.

*********** FOR YOUR EYES ONLY ! ***********

Micro Assets & Micro Collateral -- courtesy of the Carbon Micro Profit Sharing System (CMPSS)

Now every Poor Family qualifies for a Microfinance Loan ! -- whether they need it or not.

Here ! -- take my micro-debt, please !

Micro-savings = no save for microfinance -- Yurrrrr out! -- of money!

MicroDebt & MicroSavings = rental Port-a-Potties in a construction famine?

The cell-phone-based Carbon Micro Profit Sharing System (CMPSS) described at length in this blog enables poor families in the Developing World to directly monetize their carbon offsets realized from more efficient cooking equipment without the intervention or intercession of any intermediaries, except for their local CMPSS Project Manager.

All other parties such as charities, NGOs (non-governmental organizations) and MFIs (micro-finance institutions) are disintermediated, and all profits therefore rightly and righteously fall to the bottom line of the "Bottom of the Pyramid".

All profits that is, save for a reasonable project management fee paid to the local CMPSS Project Manager. And this fee scales down over the life of each project (3 - 5 years), such that a larger percentage of the money is paid directly to the participating families each year.

As a result of this ultimate, cell-phone-enabled, micro-trickledown economic model, every family participating in a Carbon Manna project now has micro-ASSETS -- assets from two sources:

(1) profits realized from their sold Carbon Micro Offsets, and

(2) even greater "profits" realized from savings on fuel from using their more efficient cookstove, which creates the offsets (50 - 70 % more efficient versus an open-pit fire).

The sum of these 2 cash flows for a typical family amounts to approximately US$ 90 - 150 per year. For folks living on US$ 1/day, this money is a godsend. A godsend called Carbon Manna.

But as a bone for the now disintermediated microfinance professionals worried about their careers -- take heart ! -- now every family participating in a Carbon Manna / CMPSS project has ...... Micro-COLLATERAL!

Bingo ! Ka-ching ! Ka-ching ! -- Now you can indebt them with little fear of default ! .......... Heavenly !

In short, courtesy of MFIs (microfinance institutions) desperate to preserve their now-archaic business models, I foresee a future, booming, unregulated MFI market in:

-->> Carbon Manna equity loans

-->> Carbon Manna pay-day loans

-->> Carbon Manna pawn shops

-->> Carbon Manna loan collection agencies

-->> Carbon Manna-backed micro-credit cards

-->> Carbon Manna collateralized debt obligations, and

-->> Carbon Manna credit default swaps.

Forgetting for now the MFI loan sharks and their usurious debt instruments, and looking at MFI's much-trumpeted micro-SAVINGS concept, the cash flows from each family's participation in a CMPSS program will now allow them for the first time to actually fund their micro-savings account. Previous efforts to establish giga-scale micro-savings programs for the proverbial and hallucinated "Next Billion" were effete and flaccid -- how can people living on US$ 1-2 / day set aside savings ? Duh !

Or how can they, even if their accounts are initially seeded with a few dollars by The Gates Foundation? Double duh ! The poorest Poor must often eat their seed corn to survive another day or week. Seeds in a Time of Famine are called "Food", and they no longer lead to growth. Nor to savings.

But now, in sum, the fruit of Carbon Manna is the saving grace for both microfinance/micro-debt and micro-savings. Carbon Manna will repay the first (debt) and fund the second (savings). For a very real, not imaginary, "Next Billion" (just as approximately 1 billion frequent-flyer-mile accounts now exist in the Developed World). All this without charity or debt. Courtesy of the US$ 100 billion global carbon markets.

Will MFI "professionals" drinking vintage-1980s group-think Kool-Aid wake up anytime soon to the Miracle of Carbon Manna ? And will their crippled business models of MicroDebt and MicroSavings become rental Port-a-Potties in the coming economic famine? -- unwanted, unused, un-rented -- empty thrones for long-dead kings wearing no clothes?

I challenge them all to look in a mirror and reflect deeply.

Ahhhhh ! -- I love the smell of Carbon Manna in the morning !

Very frankly yours,

David A. Palella
Chief Carbon Manna Visionary
San Diego, CA
tel: 858-793-0741

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